SmartFinancial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	173.74	166.1	137.35	130.08	137.5	113.39
Net Interest Income Growth	20.77%	20.94%	5.59%	-5.40%	21.26%	12.42%
Non-Interest Income	33.7	34.35	34.15	22.33	27.72	23.95
Non-Interest Income Growth	-1.96%	0.59%	52.98%	-19.45%	15.72%	55.25%
Revenues Before Loan Losses	207.44	200.46	171.5	152.41	165.22	137.34
Provision for Credit Losses	10.91	7.75	5.15	3.03	4.02	1.63
Revenue	196.53	192.71	166.35	149.38	161.2	135.71
Revenue Growth (YoY)	14.48%	15.84%	11.36%	-7.33%	18.78%	26.11%
Compensation Expenses	79.48	78.3	72.1	65.75	63.42	51.66
Selling, General & Admin	31.99	32.55	31.5	30.1	27.01	22.79
Other Non-Interest Expenses	20.36	20.36	17.29	17.31	15.86	16.94
Total Non-Interest Expense	131.82	131.21	120.89	113.15	106.29	91.39
Pretax Income	64.71	61.5	45.46	36.23	54.91	44.32
Provision for Income Taxes	11.93	11.15	9.32	7.63	11.89	9.53
Net Income	52.77	50.35	36.14	28.59	43.02	34.79
Net Income to Common	52.77	50.35	36.14	28.59	43.02	34.79
Net Income Growth	38.74%	39.31%	26.40%	-33.54%	23.66%	42.98%
Shares Outstanding (Basic)	17	17	17	17	17	16
Shares Outstanding (Diluted)	17	17	17	17	17	16
Shares Change (YoY)	0.27%	0.12%	-0.21%	0.24%	7.47%	4.53%
EPS (Basic)	3.15	3.00	2.16	1.70	2.57	2.23
EPS (Diluted)	3.12	2.98	2.14	1.69	2.55	2.22
EPS Growth	39.29%	39.25%	26.63%	-33.73%	14.87%	37.04%
Shares Outstanding	17.1	17.03	16.93	16.99	16.9	16.8
Free Cash Flow	-	59.34	46.3	33.45	44.31	43.81
Free Cash Flow Growth	-	28.17%	38.42%	-24.51%	1.14%	85.38%
Free Cash Flow Per Share	-	3.51	2.74	1.98	2.63	2.79
Dividends Per Share	0.320	0.320	0.320	0.320	0.280	0.240
Dividend Growth	-	-	-	14.29%	16.67%	20.00%
Profit Margin	26.85%	26.13%	21.73%	19.14%	26.69%	25.64%
FCF Margin	-	30.79%	27.83%	22.39%	27.49%	32.28%
EBITDA	-	9.74	11.42	13.5	12.64	9
EBITDA Margin	-	5.05%	6.86%	9.04%	7.84%	6.63%
Effective Tax Rate	18.44%	18.14%	20.50%	21.07%	21.65%	21.50%

Updated Apr 20, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q